Shop online and offline at your favorite stores such as Lazada, Shopee, Zalora, 7-Eleven CLiQQ Credit, Smart Prepaid, Agoda, Puregold, Southstar Drug, and more.
Pay Now or Pay Later
With Plentina, you can choose to Pay Now or Pay Later by installment. There’s no need to apply for a cash loan. Shop for products and services from your trusted stores, and choose to pay straight or split your bill into installments with flat fees and no monthly interest rate.
Fast & Easy Approval
Enjoy a one-time application process.
Register for Plentina in 3 easy steps!
1. Download the Plentina app.
2. Fill up and submit your application along with a photo of your valid Philippine government-issued ID and a selfie while holding a paper with “#UnlockYourPotential” and your date of registration.
3. Get approval notification on your phone and start shopping on installment.
*Unlock higher credit limits by submitting a proof of income and employment
Shop Online or Offline
We are partnered with over 60 merchants online and offline, such as SM Store, SM Supermarket, Robinsons Department Store, Robinsons Supermarket, CLiQQ, 7-Eleven, Puregold, Lazada, ZALORA, Smart, Share Treats, Grab, and foodpanda.
Build Your Credit History
Make payments on time to build a good credit history with the credit bureaus.
Safe & Easy Payment
Pay conveniently through our online payment channels: GCash, GrabPay, Maya, or pay over the counter at any 7-Eleven store nationwide.
Reliable Customer Service
A dedicated customer service team is available to ensure that you enjoy our digital services with peace of mind.
Plentina doesn't have any hidden fees. You will see how much you will have to pay depending on the payment terms you’ve chosen. We don’t charge monthly interest. Our standard late fee is set at 5% of the loan amount with a maximum cap of 20% of the loan amount for defaults over 90 days.
Plentina charges a flat service fee based on the payment term selected by the borrower and does not accrue interest on unpaid loans. Our service fee percentage varies depending on the merchant.
Credit limit amounts: ₱300 to ₱5,000
One-time service fee: 0% - 17.5%
Monthly Interest: 0%
Monthly EIR: 0% - 5.25%
APR: Minimum of 0% and a Maximum of 17.5%
Additional late fees amounting to 5% of the principal amount will be charged for loans that remain unpaid for over 30 days, over 60 days, and over 90 days. Please see a sample computation below:
Principal Amount: ₱1,000
Days late and late fee charges
First late fee at 1-30 days overdue: ₱50, total of plus ₱50 only
Second late fee at 31-60 days overdue: ₱50, total of plus ₱100 only
Third late fee at 61-90 days overdue: ₱50, total of plus ₱150 only
Fourth late fee at 91+ days overdue: ₱50, total of plus ₱200 only
Plentina continuously works with partners so you can enjoy more! Our customers are the reason Plentina exists.
Plentina’s physical address:
Plentina Lending, Inc.
8484 East Service Road
Km 18, South Superhiway, Sucat
Paranaque City, Metro Manila,
Plentina Lending Inc. is a fully registered online lender with SEC registration No. CS20200001117 and Certificate of Authority No. 3266. Please study the terms and conditions in the Disclosure Statement before proceeding with the loan transaction.